The Medicare System and the annual decision-making process for coverage selection regretfully can be completely daunting to the elderly and those disabled.Complexity, new options and changing guidelines add to the confusion – mis- and partial information is rampant.

My mission is to guide people turning 65 and those switching from group to individual plans, as well as family members supporting the disabled through the decision process for their best financial and balanced coverage advantage – it’s a real alphabet soup.

Medicare C is optional (Medicare Advantage with or without prescription coverage) and is not for everyone, with advantages yet restrictions – a network of providers is usually involved, Medicare D drugs are often included, protection for catastrophic expenses vs. straight Medicare.

Medicare D is for prescription drugs and works differently based on people’s other provisions (AZ State Retirement, State Medicaid, Low Income Subsidy, Veterans Administration coverage).

There are gaps in Medicare coverage that prompt people to consider supplement plans, for example hospitalization coverage can run out or desire for skilled nursing for a recovery process.

Personal health management planning should include consideration of Long Term Care insurance and designating a Medical Power of Attorney.

As an independent, unbiased advisor, I strive for long term relationships with clients, and am focused on educating and empowering people, advocating on their behalf within the US government, insurance and medical systems.